HBU & YOU

We are the new way people CO-BUY investment property. Buy with friends, family, co-workers or other HBU verified partners.

We provide expert advice to avoid default, co-buyer agreement support, background checks, lenders, agents and even credit resources in case you are not quite ready yet!

About

HBU & YOU

RENT, BUY OR HBU!

We are a proud member of the sharing economy, which has grown rapidly and now has Uber, Lyft and Airbnb brands collectively valued at over $100 billion.

Since 2011 home prices have increased a cumulative 48%, and income only 15%, which means it is even more difficult to buy real estate than ever before.

With lower wages, the increase in home prices and the uncertainty of many financial investment options, buying investment property to create secondary income is a great option.

The challenge HBU is solving is the cost to enter the investment property market , which can be out of reach for one person but two or more make this a much more attractive option.

Our platform connects home buyers and property investors. We provide background checks, co-buyer agreements with expert advice to avoid default and match members based upon their profile requirements. HBU also includes recommended resources for credit repair, lenders, agents and more.

F.A.Q.

How does the process work?

You can join the HBU community for free by simply completing the registration process and developing an HBU profile. We encourage you to bring your own partner and allow us to provide the process to protect your mutual interest. Next you will want to get a background verification and have your partner get their background verified as well. Finally, we recommend all co-buyers complete a co-buyer agreement.

What are HBU's member benefits?

Free membership

Access to lenders and real estate agents

Background checks

Expert advice to avoid default

Co-Buyer equity agreements

Lower down payments

Credit repair referral resources

No sensitive data storage

Stronger market position

Can I buy with someone I already know?

Absolutely! We encourage families, friends and acquaintances to join together to participate in the background vetting process. We also provide access to lenders through our network. We understand it can be awkward to ask people you know to undergo important background checks without possibly placing the relationship in an uncomfortable position, so we are here to help you with that important step.

What if my co-buying partner defaults?

Our goal for our HBU membership is to do all we can on the front-end to set in place every provision we can to help prepare for challenges and if needed exit strategies. The buying partners will also have access to expert advice to avoid default by way of a co-buyer agreement that will spell out the intentions and responsibilities as well as ownership share for each party. We recommend this document be reviewed by the buyers attorneys.

What if I want to buy investment property?

Buying investment property and renting it out or flipping the property is a goal for many, but getting started can be difficult for one buyer on their own but two motivated and vetted members can do it. Our real estate agents can guide you through the process.

What if my credit is bad or non-existent?

If you need to work on your credit or create a good credit history you are not alone. In fact, according to Credit.com, "Only a small sliver of people have absolutely terrible credit scores, but plain-old bad credit? That’s a lot more common. Nearly a third of Americans have a credit score lower than 601 — the distinction between bad and fair credit — according to credit bureau Experian." Never fear we can help. Once you are a member we can recommend a resource to help you over time use strategies to build good credit.

How long will I have to stay in a partner purchase property?

The length of your partnership is up to you. If you and your partner can agree to whatever time period works best for your partnership goals.

HBU Leadership

THE TEAM – Over 100 years of experience

The Founder & CEO: Leena Bella Mayo is a seasoned business executive with a business school education with more than 15 years of experience as a chief of marketing and consultant with great brands including Western Union, First Data, Apple, GE, and more.Principal Business Advisor: John Kaufman, Real Estate Investor, Businessman, Technology and Startup Mentor.Mortgage Lending: Bob Kopf, has more than 30 years of professional business development and lending expertise as well as experience lending to co-buyers.Real Estate : Forrest Wade is a real estate broker and experienced expert in the areas of co-buying for primary residence and investment purchases.

How do I support HBU?

We encourage your support and welcome your ideas. We also welcome your shares, likes and subscribes with our social media!

Please also feel free to contact us and we will be happy to provide you with logos, key messaging and materials for your use.

HBU Gives

News Room

VIDEOS

Why do some people have more - it is all about choices!

Citing research from the Federal Reserve, primary residences accounted for about one-quarter of Americans’ overall wealth in 2016, more than any other financial asset. Besides creating wealth, owning a home allows for amassing equity, with Americans having a record-high $14.4 trillion in equity as of the last quarter of 2017.